Commercial Truck Insurance
Idaho
Coverage crafted for the Gem State’s unique hauls
Whether you’re pulling refrigerated potatoes down the I-84 corridor, hauling timber out of the Panhandle forests, or moving intermodal freight through the Port of Lewiston, GIA Group, LLC finds insurance programs that meet every FMCSA rule and Idaho Transportation Department (ITD) filing requirement.
Coverage
Who needs it
Who we serve across the Gem state
Owner-operators — Leased-on or running under their own authority.
New ventures — DOT/MC setup, IRP plates, UCR and first-year filings.
Small & mid-size fleets — 1–50 power units, regional or long-haul.
Large fleets — 50 + units; quarterly loss analytics and telematics credits.
Agriculture & produce haulers — Potatoes, onions, sugar beets, and grain.
Timber & forestry trucks — Log, chip, and lumber carriers in the Panhandle and Clearwater regions.
Milk & food-grade tankers — Dairy loads from Magic Valley processors.
Haz-mat & fertilizer movers — Ammonium nitrate, fuel, and ag-chem requiring MCS-90 filings.
Our advantages
Requirements
Idaho insurance & filing requirements
Liability limits (intrastate)
$750 K CSL general freight
$1 M oil
$5 M placarded HM (Idaho adopts 49 CFR § 387)
Intrastate proof — Form E (liability) and Form H (cargo for household-goods movers) filed by insurer with ITD Motor Carrier Services.
Interstate proof — BMC-91X / MCS-90 on record with FMCSA before authority activation.
Cargo insurance — Required only for intrastate household-goods carriers; most shippers require ≥ $100 K for other freight.
The information above is provided for general educational purposes and reflects minimum insurance requirements as of 2025. Actual coverage needs may vary by operation, cargo type, or recent regulatory changes. Carriers should verify current limits and filing obligations with the FMCSA, their state Department of Transportation, or a licensed insurance professional.
Cost explanation
Idaho trucking insurance cost
Most for-hire carriers spend $8,000 – $17,000 per tractor each year. Rates trend higher on long-haul refrigerated lanes and haz-mat corridors, and lower on intrastate ag routes. GIA shops several A-rated markets to secure the best blend of price and protection.
Facts
Service area
Serving Idaho truckers across the state
We provide Idaho commercial-auto coverage statewide, including these freight hubs: Boise, Nampa, Idaho Falls, Twin Falls, Coeur d’Alene — plus every dairy plant, lumber mill, and I-84 / US-95 logistics corridor in between.
